Kabbali Hills: Arif Developments, Ajman, 10% Down
Kabbali Hills is a new off-plan development by Arif Developments in Ajman. Construction began in June 2026. Handover is expected in December 2026. That is a six-month build. The 10% down payment is the defining financial feature: you put in a small sum at signing and cover the 90% balance at handover, with no installments during the build. For buyers looking at off-plan options in the northern UAE, these two numbers tell most of the story.
Ajman: The Address and What It Means
Ajman borders Sharjah to the south and sits on the Arabian Gulf coast. The emirate connects to the UAE highway network via Emirates Road and Sheikh Mohammed Bin Zayed Road, giving car access to Sharjah, Dubai, and Abu Dhabi. The drive to central Sharjah from Ajman takes roughly 20 to 25 minutes. Dubai is typically 45 to 55 minutes, depending on time of day and route.
Ajman operates as a self-contained emirate. It has its own corniche along the Gulf coast, its own retail and commercial infrastructure, and a pace distinct from either Sharjah or Dubai. For buyers whose work and daily life connect to the northern UAE, the location is practical and well-placed. For buyers with regular obligations in central Dubai, the commute is a real and daily one.
What Comes With the Development
Six amenities come with Kabbali Hills. The indoor swimming pool is the standout item. An indoor pool provides year-round usability in the UAE climate, a practical advantage over an outdoor pool that becomes difficult to use during the peak summer months.
| Category | Amenities |
|---|---|
| Fitness & Recreation | Gymnasium, Indoor Swimming Pool |
| Outdoor & Leisure | Landscaped Gardens, Children's Play Area |
| Dining | Restaurants |
| Security | CCTV Security |
The amenity profile points clearly to a family-oriented project. The children's play area and landscaped gardens serve households with children who need outdoor space they can use. The on-site restaurant means residents can eat without leaving the development, which suits those who prefer a self-contained daily routine. Taken together, these six amenities cover the core daily needs of a family household without gaps.
The Six-Month Timeline
Construction started on 11 June 2026. Expected completion: 1 December 2026.
Six months from start to handover is a compact cycle. Entering now means you are not holding capital in a years-long wait. If the developer delivers on schedule, keys arrive in December 2026. For buyers planning to occupy the unit, that means a move-in window opening in early 2027. For investors, the unit enters the rental market from early 2027 onward.
The tight timeline has a direct financing implication. Mortgage buyers need a full loan approval in place before the December handover date. There are no construction-period payments to create a financing runway. The six months between signing and handover is the complete window to get everything arranged.
Entering at 10%
| Stage | Amount Due |
|---|---|
| Down payment | 10% |
| Handover | 90% |
10% at signing. 90% at handover. No installments during construction. No post-handover payment schedule.
The structure is direct: minimal capital upfront, full payment on delivery. For cash buyers, the transaction is clean and simple. For mortgage buyers, the full 90% needs to be financed and ready by December 2026. The appeal of this plan is the low threshold to enter: you hold a position through a six-month build with a small initial commitment. The corresponding requirement is completing in full on a fixed date, with no flexibility on timing. This plan suits buyers who are ready to close completely and want a defined, fast transaction.